Aida Castro, Financial Services Professional with NYLIFE Securities LLC

Most people will never face federal estate tax, but thoughtful planning still matters. Coordinating lifetime gifts, protecting assets, and understanding how taxes really work can help your family receive more of what you intend. This article from Winstead PC partner Jeff Chadwick highlights simple strategies that can make a meaningful difference, from tax-smart gifting to preserving step-up opportunities. If you would like to talk through how these ideas could apply to your situation, I am here to help make sure your plans support what matters most.

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If you own a business, your estate plan has to do more than list who gets what. It needs to protect the company you’ve built, keep operations running smoothly if something happens to you, and give your family clarity instead of chaos. This article describes how the right trust can support privacy, continuity, and long-term planning for business owners. If you would like to explore how a trust can support your succession goals or safeguard your business for the future, let’s get together and walk through your options.

nyladvisors.com

People aged 70½ or older now have a way to support the causes they love while also creating a reliable stream of lifetime income, thanks to recent law changes that allow a once-in-a-lifetime transfer directly from an IRA to fund a charitable gift annuity or charitable remainder trust. When structured correctly, this transfer can be excluded from taxable income, and for those 73 or older, it may even count toward required minimum distributions. Read more about this strategy and then let’s explore whether this fits into your retirement or giving plans.

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Even Americans who are covered by health insurance can emerge from medical emergencies with long-lasting financial scars, sometimes leading to bankruptcy.

Medical emergencies can lead to debt and bankruptcy — even for insured Americans Being hospitalized for an injury, such as a car accident, increases your risk of carrying medical debt and needing to file for bankruptcy, a new study finds.

Money questions every couple should ask. Learn how honest financial conversations can reduce stress, prevent conflict and build shared goals.

Money Questions Couples Should Ask Before Combining Finances or Planning a Future Together Honest financial conversations can reduce stress, strengthen trust and help couples align long-term goals.

When you die, your mortgage doesn’t die with you. Learn what happens to your home loan and how to protect your spouse or heirs.

What Happens to Your Mortgage When You Die? - NerdWallet

Here’s what you should know about the hidden economic value of unpaid work.

Life Insurance for Stay-at-Home Parents: Why It Matters Stay-at-home parents' unpaid labor is worth thousands annually, yet most families underinsure them. Learn why life insurance should value their contributions.

Are you familiar with the different types of life insurance? Term or permanent? Whole life, IUL, VUL? And how does permanent life insurance cash value work?

If you’ve ever wondered, this is worth a watch.

Industry expert Bobby Samuelson, executive editor of The Life Product Review breaks it down in Choices Behind Key Financial Decisions, now on demand for a limited time.

Click the link below for a short preview video and to launch the full On-Demand session:

https://bit.ly/4sXoV8a

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In this week's Ask the Editor Q&A, Joy Taylor answers questions on tax strategies for caregivers.

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“Poisoned” artificial intelligence can give untrustworthy advice about finance, health and lots more. Here’s how you may be able to fend off the growing threat.

How AI Chatbots Can Secretly Give Biased Advice “Poisoned” artificial intelligence can give untrustworthy advice about finance, health and lots more. Here’s how to fend off the growing threat.

Assumable mortgages let buyers take over a seller’s home loan. Learn how they work, who qualifies and when assuming a mortgage makes sense in 2026.

What Is an Assumable Mortgage and Could It Save You Thousands? With mortgage rates still elevated, taking over a seller’s existing home loan could lower monthly payments — if the numbers work.